The Master Mechanic's Tool Protector Program

Loyd Keith Friedlander Partners provides insurance for hundreds of repair shops, service stations and automotive facilities. through our GarageGuys subsidiary.

A few years back, we realized that, although we were providing insurance for the interest of the facility owner, the mechanics were often using their own tools and weren't properly covered under the owner's policy. Most (if not all) garage insurance policies do not provide specific coverage for the tools of the people who work there!

If you are using your own tools and you are not the owner of the facility, you almost certainly have inadequate insurance. You may have no coverage at all, and if you were thinking that your professional tools are covered by your Homeowner policy − forget it, they're not.

The MASTER MECHANIC'S TOOL PROTECTOR POLICY provides comprehensive coverage to mechanics on either an individual (you alone) or facility (all the mechanics who work at your location) basis.

• Special Form Coverage (includes theft, fire etc.)
• $500 Deductible
• Coverage of $10,000 per mechanic for unscheduled tools up to $1,500 in value
• Coverage available for tools in excess of $10,000 total or greater than $1,500 per item
• 24-hour/7-day claims and customer service
• Coverage can be added for facility-owned testing equipment including dynamometers and lifts
• Annual premium as low as $750.

Each mechanic is automatically an "additional insured" under the policy − offered by NO OTHER property policy for garages!

Tools valued at under $1500 are covered automatically up to $10,000 per mechanic. Specialized testing equipment and items of higher value can be covered easily by specifically listing them on the policy.

New hires to the facility are covered automatically after 30 days without charge until policy end.

No audits or additional charges once the policy is issued (except for adding additional scheduled items during the policy year.)

Coverage is provided by the the Hartford Fire Insurance Company, one of America 's largest and most financially stable insurance companies.

How Do I Arrange For Coverage?
Buying coverage for your tools and valuable testing equipment − even your tool box itself − could not be easier.  Download and complete the application form and email it to us at tools@lkfpartners.com. We will contact you with a firm quotation if you are eligible. You may also call us at 631-424-2600 and get a quote. Coverage is effective upon acceptance by Hartford Fire Insurance Company.

Frequently-Asked Questions
Can this policy cover an individual mechanic?
Yes, the policy covers individual mechanics automatically. Coverage can also be purchased for a single mechanic if desired.

How long does it take to get a policy?
Once your application is accepted and payment is received, the policy is issued and sent directly to the named insured.

How are claims handled?
All claims are adjusted by the Hartford Fire Insurance Company, one of America 's oldest and most respected insurance companies.

In the event of a loss, what proofs will we need in order to collect?
For all items covered under the policy you need to retain a receipt showing ownership. For items under $1,500, we suggest that you photograph or videotape your tool box and drawers in order to refresh your memory in the event of a claim. For items over $1,500, it is also useful to retain a photo or video which clearly shows the tool and the serial number.

If you have any other questions not answered here, feel free to email us at tools@lkfpartners.com and we will answer you within a business day.  You may also call 631-424-2600 x226 .